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Research At A Glance: Week 45

European Payment Industry White Paper 2018
by Intrum 
This paper looks at payment behaviour across Europe amongst businesses, including a sector analysis and country data. The report focuses on the impact of late payments on economies.
G20 Digital Identity Onboarding
by World Bank group 
This report looks at how digital ID systems can play a critical role in improving financial access and inclusion. It further gives country case studies and explains the benefits, risks, and characteristics of digital ID systems in the financial sector.
The Effect of Technology on Performance of Small Enterprises in Nairobi City Country, Kenya
by International Journal of Information, Business and Management
This extensive paper concentrates on technology, which has the most potential to affect small enterprises’ performance. The research concludes that technology programs in Nairobi have advanced the performance of small enterprises in employment, productivity, and skills development.
The Distributed Ledger: Blockchain, Digital Assets and Smart Contracts
by Skadden, Arps, Slate, Meagher & Flom Law Firm
This paper presents a summary of the announcement of the US Securities and Exchange Commission regarding the Strategic Hub for Innovation and Financial Technology (FinHub), and builds upon the recent counterpart developments in the EU.
Breaking New Ground in Fintech
by Oliver Wyman
Many American households are not financially healthy, but at the same time pay billions in fees annually for financial products and services, making consumers distrust revenue models. This makes it difficult for entrepreneurs in financial health to deliver services to the people that need them. This report looks at revenue models that are both profitable and sustainable, and can gain consumers’ trust.
Bank conduct and culture: findings from an FMA and RBNZ review of conduct and culture in New Zealand Retail bank
by Financial Market Authority of New Zealand and Reserve Bank of New Zealand
This report investigates misconduct issues in New Zealand banks, as misconduct has been an issue in the US, the UK, and Australia, and heavily affects customers. It reviewed 11 of the country’s largest retail banks over four months to identify conduct issues and risks, and learn how banks detect and remedy these issues. 

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